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Last Updated: 07/28/2025

Mattress Firm Credit Card

from Synchrony Bank

Last Updated: 07/28/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

Strongly recommended8 total votes

5 users recommend

2 users are unsure

1 users don't recommend

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Highlights

Community Rating

Strongly recommended

Purchase APR (Variable APR)

29.99%(Verified 06/21/2024)

Disclaimer popup with additional information

Balance Transfer APR (Variable APR)

N/A

Credit Score Range

400 - 850

Annual Fee

Number of Reviews

Mattress Firm Credit Card Review

This is a store card issued by Synchrony Bank. If you're wondering whether Mattress Firm Credit Card is the right card for you, read on.

Key Takeaways

0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 60 months.
0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 60 months.
APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 29.99%
No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
Poor credit accepted. This card will consider people who have poor credit.

Pros & Cons of Mattress Firm credit card

The Good

The Bad

0% APR: 5 years with a minimum purchase of $2799, 4 years with a minimum purchase of $1999, 3 years with a minimum purchase of $1299, 2 years with a minimum purchase of $999 on your Mattress Firm credit card. 60, 48, 36 or 24 equal monthly payments required.
0% APR balance transfer intro rate on balance transfers for 60 months.
0% APR on new purchases during the first 60 months. There is then a variable purchase APR of 29.99%.
No annual fee.
Considers applicants with fair credit.
Mattress Firm Credit Card reports to multiple credit bureaus.

If cardholders do not pay their balance off in full within the promo period, interest will be charged on the promo purchase from the purchase date.
Higher than average purchase APRs.
Does not offer a signup bonus.
Does not offer rewards or cash back.
You don't earn rewards on every purchase.

Mattress Firm credit card FAQ

Does Mattress Firm credit card have a cash back or rewards program?

No, it does not offer a rewards program. This card features rewards for purchases in the following categories:

Furniture

Mattress Firm credit card Rewards Breakdown

Description

How do people rate the customer service and user experience of Mattress Firm credit card?

Overall, Mattress Firm credit card is strongly recommended based on community reviews that rate customer service and user experience.

Does Mattress Firm Credit Card report your account activity to credit bureaus?

Yes, Mattress Firm Credit Card reports to the following credit bureaus:

Equifax
Experian
TransUnion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does Synchrony Bank perform a hard credit pull?

Yes, Mattress Firm credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for Mattress Firm credit card

Visit the website of Mattress Firm credit card.
Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from Mattress Firm credit card

At Synchrony, we work with thousands of businesses large and small, helping national chains and local merchants offer credit cards with the budget-friendly financing you need.Synchrony aims to make your credit card application fast and hassle-free.

No matter how much you plan to spend, these financing offers will always be available. Take advantage of financing and low monthly payments anytime. And there's no interest if paid in full within 6 or 12 months‡. But remember, on purchases with your Mattress Firm credit card, interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 months. Minimum monthly payments required.

Contact

Headquarters

777 Long Ridge Rd

Stamford, CT 06905

Visit Site

Email Support

Hours of Operation

Sunday

8:00AM - 12:00AM

Monday

8:00AM - 12:00AM

Tuesday

8:00AM - 12:00AM

Wednesday

8:00AM - 12:00AM

Thursday

8:00AM - 12:00AM

Friday

8:00AM - 12:00AM

Saturday

8:00AM - 12:00AM

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SuperMoney Net Recommendation Score

SuperMoney users strongly recommend this product, giving it a user recommendation score of +50, or 4 on a 5-point rating scale.

+50

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Mattress Firm Credit Card Community Reviews

Would you recommend Mattress Firm Credit Card to your friends?

Michael L.

Dec 20, 2022

May or may not recommend

I have two Synchrony accounts due on different dates and I mistakenly confused payment dates in my calendar. I had never been late on one payment. I purchased 1 item, a new mattress. I have perfect credit payment history with mattress firm account. I set up auto-pay immediately so this would not happen again. As a result of the one late ...Show More

Natawnee T.

Apr 7, 2022

May or may not recommend

I love this credit card it helped my family get what we needed quick. I'd recommend this all the time.

Adelaide H.

Jan 31, 2022

May or may not recommend

great program! Just out of college (and broke) I was able to finance a new mattress over 48 months with no interest. The only downside was that when paid off, the account was automatically closed which hurt my credit a little. Definitely worth it though!

Kenneth R.

Nov 18, 2020

May or may not recommend

I appreciated the ability to open the Mattress Firm in-store charge account when it was necessary to buy a mattress. When the mattress developed a structural flaw Mattress Firm honored the warranty and sent a new one. The minimum payments are reasonable. However there may not be any nearby stores now to make any additional purchases.

Aisha A.

Nov 12, 2020

May or may not recommend

Mattress Firm credit card has proven to be the best over the years. Had a great experience making use of their credit card and I really enjoyed the ease to pay my credit within few months. I got my desired mattress and the repayment was made easy for me. Their customer service is also the best, they are tragedy to profer solution to any problem. It is rare to ...Show More

Malomo E.

Nov 2, 2020

May or may not recommend

No other credit card does it best than Mattress Firm credit card. I had a great experience making use of their highly proficient credit card and I enjoyed the most freedom to pay my credit spread easily over 20moths. I got my desired mattress and do not feel the debt all through the repayment The 0% APR charges rate is unbeatable and debtors have the grace to enjoy the rate ...Show More

Melanie G.

Jul 2, 2020

May or may not recommend

This card with their promotion has helped me get a new bed with low monthly payments. How wonderful it is to be able to pay it off in 12 months interest free.

Brad S.

Jul 2, 2020

May or may not recommend

You can't beat 0% interest!! I only had to pay tax and delivery to receive 5 year's worth of Zero interest on my king beautyrest!

Showing 8 of 8 reviews